COMMUNITY FIRST CREDIT UNION

Address
6460 INTERSTATE COURT
HANNIBAL, MO 634016759
Contact
Website: http://mycommunityfirstcu.com
Phone: +1 (573) 248-2569
Nonprofit
EIN: 43-6030489
Year formed: 1952

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
 20162015201420132012
Basic features of the organization
Doing business as nameCOMMUNITY FIRST CREDIT UNION
Year of formation1952
Form of organization
CorporationTrue
Human resources, including compensation
Summary compensation info
Total compensation of current key personnel$31,981.00$36,023.00$33,990.00$21,320.00$49,846.00
Sum of reportable (W2/1099) compensation$31,621.00$35,633.00$33,990.00$21,320.00$48,671.00
Number of employees56566
Number of people compensated >$100k00000
Number of volunteers1414141414
Number of highly compensated contractors0000 
Personnel
Baxter, Mike
TitleCHAIRMANVICE CHAIRMANBOARD MEMBER  
Name of key/compensated personMIKE BAXTERMIKE BAXTERMIKE BAXTER  
Position of compensated person
Current individual trustee or directorTrueTrueTrue  
Current officer  True  
Average hours per week working for org1.001.001.00  
Reportable compensation from org$0.00$0.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00  
Bowdish, Barbara
Title    CEO
Name of key/compensated person    BARBARA BOWDISH
Position of compensated person
Current officer    True
Average hours per week working for org    40.00
Reportable compensation from org    $13,308.00
Other comp, non-reportable, from org and related orgs    $114.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Brownell, Sydney
TitleVICE CHAIRMANBOARD MEMBERBOARD MEMBER  
Name of key/compensated personSYDNEY BROWNELLSYDNEY BROWNELLSYDNEY BROWNELL  
Position of compensated person
Current individual trustee or directorTrueTrueTrue  
Average hours per week working for org1.001.001.00  
Reportable compensation from org$0.00$0.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00  
Crabill, Lacie
TitleBOARD MEMBERBOARD MEMBER   
Name of key/compensated personLACIE CRABILLLACIE CRABILL   
Position of compensated person
Current individual trustee or directorTrueTrue   
Average hours per week working for org1.001.00   
Reportable compensation from org$0.00$0.00   
Other comp, non-reportable, from org and related orgs$0.00$0.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Fessler, Marci
TitleCEOCEO (CURRENT)   
Name of key/compensated personMARCI FESSLERMARCI FESSLER   
Position of compensated person
Current officerTrueTrue   
Average hours per week working for org40.0040.00   
Reportable compensation from org$31,621.00$625.00   
Other comp, non-reportable, from org and related orgs$360.00$30.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Fisher, Bill
TitleBOARD MEMBERBOARD MEMBER   
Name of key/compensated personBILL FISHERBILL FISHER   
Position of compensated person
Current individual trustee or directorTrueTrue   
Average hours per week working for org1.001.00   
Reportable compensation from org$0.00$0.00   
Other comp, non-reportable, from org and related orgs$0.00$0.00   
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00   
Glover, Kenneth
Title  VICE CHAIRMANVICE CHAIRMANVICE CHAIRMAN
Name of key/compensated person  KENNETH GLOVERKENNETH GLOVERKENNETH GLOVER
Position of compensated person
Current individual trustee or director  TrueTrueTrue
Average hours per week working for org  1.001.001.00
Reportable compensation from org  $0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs  $0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00$0.00$0.00
Golian, Candy
Title CEO (RESIGNED)CEOMANAGER 
Name of key/compensated person CANDY GOLIANCANDY GOLIANCANDY GOLIAN 
Position of compensated person
Current officer TrueTrueTrue 
Average hours per week working for org 40.0040.0040.00 
Reportable compensation from org $35,008.00$33,990.00$8,250.00 
Other comp, non-reportable, from org and related orgs $360.00$0.00$0.00 
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00 
Gray, Abe
Title    CEO
Name of key/compensated person    ABE GRAY
Position of compensated person
Current officer    True
Average hours per week working for org    20.00
Reportable compensation from org    $33,763.00
Other comp, non-reportable, from org and related orgs    $1,061.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Gray, Abraham
Title   CEO 
Name of key/compensated person   ABRAHAM GRAY 
Position of compensated person
Current officer   True 
Average hours per week working for org   40.00 
Reportable compensation from org   $13,070.00 
Other comp, non-reportable, from org and related orgs   $0.00 
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00 
Lincoln, Martin
TitleTREASURERTREASURERBOARD MEMBERBOARD MEMBER 
Name of key/compensated personMARTIN LINCOLN JRMARTIN LINCOLN JRMARTIN LINCOLN JRMARTIN LINCOLN JR 
Position of compensated person
Current individual trustee or directorTrueTrueTrueTrue 
Current officerTrueTrue   
Average hours per week working for org1.001.001.001.00 
Reportable compensation from org$0.00$0.00$0.00$0.00 
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00 
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00 
Lincoln, Marty
Title    BOARD MEMBER
Name of key/compensated person    MARTY LINCOLN
Position of compensated person
Current individual trustee or director    True
Average hours per week working for org    1.00
Reportable compensation from org    $0.00
Other comp, non-reportable, from org and related orgs    $0.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Long, Keith
Title   BOARD MEMBERBOARD MEMBER
Name of key/compensated person   KEITH LONGKEITH LONG
Position of compensated person
Current individual trustee or director   TrueTrue
Average hours per week working for org   1.001.00
Reportable compensation from org   $0.00$0.00
Other comp, non-reportable, from org and related orgs   $0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00$0.00
Malone, Debra
Title   TREASURERTREASURER
Name of key/compensated person   DEBRA MALONEDEBRA MALONE
Position of compensated person
Current individual trustee or director   TrueTrue
Current officer   TrueTrue
Average hours per week working for org   1.001.00
Reportable compensation from org   $0.00$1,600.00
Other comp, non-reportable, from org and related orgs   $0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00$0.00
O'Bryan, James
Title  SECRETARYSECRETARYSECRETARY
Name of key/compensated person  JAMES O'BRYANJAMES O'BRYANJAMES O'BRYAN
Position of compensated person
Current individual trustee or director  TrueTrueTrue
Average hours per week working for org  1.001.001.00
Reportable compensation from org  $0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs  $0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00$0.00$0.00
Richmond, Thomas
Title CHAIRMANCHAIRMANCHAIRMANCHAIRMAN
Name of key/compensated person THOMAS RICHMONDTHOMAS RICHMONDTHOMAS RICHMONDTHOMAS RICHMOND
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Average hours per week working for org 1.001.001.001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Richmond, Tom
TitleBOARD MEMBER    
Name of key/compensated personTOM RICHMOND    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Rodenbaugh, Macy
TitleSECRETARYSECRETARYBOARD MEMBER  
Name of key/compensated personMACY RODENBAUGHMACY RODENBAUGHMACY RODENBAUGH  
Position of compensated person
Current individual trustee or directorTrueTrueTrue  
Average hours per week working for org1.001.001.00  
Reportable compensation from org$0.00$0.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00  
Throndson, Holly
Title   BOARD MEMBERBOARD MEMBER
Name of key/compensated person   HOLLY THRONDSONHOLLY THRONDSON
Position of compensated person
Current individual trustee or director   TrueTrue
Average hours per week working for org   1.001.00
Reportable compensation from org   $0.00$0.00
Other comp, non-reportable, from org and related orgs   $0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00$0.00
Purpose: mission, activities, & accomplishments
Mission or significant activitiesTO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
Programs, including revenue & expenses
PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $18,079 FOR THE YEAR.
Program descriptionPAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $18,079 FOR THE YEAR.PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $17,175 FOR THE YEAR.PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $16,651 FOR THE YEAR.PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $15,345 FOR THE YEAR.PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $21,005 FOR THE YEAR.
PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2016, THERE WERE 509 LOANS OUTSTANDING TOTALING $4,977,531.
Program descriptionPROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2016, THERE WERE 509 LOANS OUTSTANDING TOTALING $4,977,531.PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 520 LOANS OUTSTANDING TOTALING $5,060,201.PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 574 LOANS OUTSTANDING TOTALING $5,561,949.PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 561 LOANS OUTSTANDING TOTALING $6,030,766.PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2012, THERE WERE 467 LOANS OUTSTANDING TOTALING $4,349,941.
PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,091 MEMBERS.
Program descriptionPROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,091 MEMBERS.PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,126 MEMBERS.PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,135 MEMBERS.PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,156 MEMBERS.PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,165 MEMBERS.
Financial data
Revenue
Total revenue$225,658.00$259,430.00$280,108.00$282,154.00$241,148.00
Investment income, current yr-$2,570.00$4,728.00$3,992.00$20,210.00$34,039.00
Total revenue from grants, etc., current yr$0.00$0.00$0.00$0.00$0.00
Total unrelated business revenue$0.00$0.00$0.00$0.00$0.00
Other revenue, current yr$0.00$0.00$0.00$0.00$0.00
Net unrelated business taxable revenue$0.00$0.00$0.00$0.00$0.00
Program service revenue (total)$228,228.00$254,702.00$276,116.00$261,944.00$207,109.00
Gross receipts$261,658.00$259,430.00$280,108.00$2,179,154.00$241,148.00
Other types of revenue
Income from dividends, interest, and similar investments$10,075.00$4,728.00$3,992.00$16,407.00$34,039.00
Expense categories (totals)
Total functional expenses: sum of all$257,743.00$264,601.00$258,069.00$262,738.00$296,536.00
Fees for services
Legal fees (total)$161.00$684.00 $1,558.00$1,128.00
Fundraising service fees (total)$0.00$0.00$0.00$0.00$0.00
Assets and liabilities
Total assets$7,278,841.00$7,153,101.00$6,652,733.00$6,733,680.00$6,871,281.00
Total assets, beginning of year$7,153,101.00$6,652,733.00$6,733,680.00$6,871,281.00$6,668,933.00
Total liabilities$6,606,125.00$6,448,300.00$5,942,761.00$6,045,747.00$6,202,777.00
Total liabilities, beginning of year$6,448,300.00$5,942,761.00$6,045,747.00$6,202,777.00$5,945,092.00
Net assets$672,716.00$704,801.00$709,972.00$687,933.00$668,504.00
Net assets, beginning of year$704,801.00$709,972.00$687,933.00$668,504.00$723,841.00
Other liabilities$6,532,308.00$6,398,073.00$5,901,170.00$6,002,334.00$6,130,517.00
Other assets$83,328.00$109,410.00$81,444.00$66,445.00$68,940.00
Cash: non-interest bearing$217,343.00$205,179.00$295,259.00$125,732.00$49,969.00
Cash: non-interest bearing, beginning of year$205,179.00$295,259.00$125,732.00$49,969.00$267,791.00
Other financial variables
Revenue less expenses-$32,085.00-$5,171.00$22,039.00$19,416.00-$55,388.00
Advertising (total)$879.00$5,546.00$1,868.00$1,220.00$209.00
Savings & temp cash investment$2,054,568.00$1,807,955.00$715,659.00$527,513.00$2,381,603.00
Accounts receivable, net$1,428.00$1,853.00$282.00$38.00$19.00
Prepaid expenses & deferred charges$3,363.00$2,956.00$3,458.00$2,284.00$2,218.00
Accounts payable & accrued expenses$73,817.00$50,227.00$41,591.00$43,413.00$72,260.00
Total net assets or fund balances$672,716.00$704,801.00$709,972.00$687,933.00$668,504.00
Depreciation, depletion, amortization$7,266.00$10,135.00$11,692.00$12,761.00$13,631.00
Governance and accountability
Number of voting members77777
Number of independent voting members77777
Accrual accountingTrueTrueTrueTrueTrue
Tax year start date2016-01-012015-01-012014-01-012013-01-012012-01-01
Tax year end date2016-12-012015-12-012014-12-012013-12-012012-12-01
Metadata about the filing
E-return type: 990, 990EZ, or 990PF990990990990990
Date e-filing submitted2017-12-012017-03-032016-02-092014-10-142013-12-13
IRS schema version2016v3.02015v2.12014v5.02013v3.02012v2.1
Filing identifier201732899349302058201643159349302559201503099349301465201402549349300960201332979349300933
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